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Manage your finances from anywhere and at any time. All you need is an Internet connection. BusinessNet Professional is a secure and user-friendly Internet banking tailored precisely to the demanding needs of corporate clients.

Manage your finances from anywhere and at any time. All you need is an Internet connection. BusinessNet Professional is a secure and user-friendly Internet banking tailored precisely to the demanding needs of corporate clients.

I want to take out a mortgage for CZK to purchase housing . The value of the property is around CZK . The number of people in our household is . The net monthly income of the household is CZK . The maximum credit limit on the credit card and bank overdrafts is CZK . Regular loan instalments of the whole household amount to CZK /month and other regular expenses are CZK /month. I would like to know the amount of monthly instalments in the event of a -year maturity.

No maximum limit, we will extend a loan to you of up to 100 per cent of the estimated price of the property

How will I secure the mortgage?

You can secure your mortgage with the property you are to purchase or with another property in the Czech Republic;

If you are buying a cooperative flat, you have to secure your mortgage with property in personal ownership

How will I draw down the mortgage?

You can draw down your mortgage within 12 months from the signature of the loan agreement

How will I repay the mortgage?

You can repay your mortgage over as many as 30 years

During the drawdown period, you pay only the interest on the amount drawn and start repaying regular annuity instalments in the month following the drawdown of the mortgage

What else can you choose?

The possibility of making an extraordinary repayment of 20% of the principal completely free of charge or take out the FLEXI service with the possibility of making an extraordinary repayment of up to 100% of the loan

Besides money to pay the purchase price, get extra money for whatever with the TWIN Mortgage

Should you fail to repay any debt arising from a contract by its due date, you are obliged to pay the Bank default interest on such overdue debt in an amount as per Government Decree No. 351/2013 as amended throughout the period of default, besides the interest agreed upon in the contract currently at 9% p.a. (a year). This default interest rate is considered to be the maximum interest rate possible.

You are aware of the fact that failure to pay a due debt under contract is a serious violation of the contract and, in such a case, the Bank is entitled to withdraw from the contract ex nunc and to determine the entire loan immediately due and payable or, as the case may be, without withdrawing from the loan contract, to declare all or any outstanding sums immediately due and payable.Before declaring the loan due, the Bank shall call upon the consumer to pay the outstanding sum and grant a 30-day deadline to the consumer to comply.

The costs associated with the recovery of the outstanding sum are specified in the Price List.

The total loan amount is CZK 2,000,000. Loan duration period is 300 months. Interest rate is 3,29 % p. a., fixed interest rate for 10 years. Monthly payment is CZK 9,789. The Annual Percentage Rate (APR) is 3,36 % p. a. APR includes one-off costs for the loan granting of CZK 2,900 and the deposit and deletion of the pledge right in the land registry of CZK 2,000 and signature verification CZK 30. The total due amount is CZK 2,944,934.

This offer is for informational purposes only; it does not represent a proposal to execute a contract.